Home Bancorp, Inc. (HBCP) vs Pioneer Bancorp, Inc. (PBFS)

Home Bancorp, Inc. and Pioneer Bancorp, Inc. are both Banks Regional companies. Home Bancorp, Inc. and Pioneer Bancorp, Inc. are of similar size ($478.0M and $453.0M). Home Bancorp, Inc. trades at the lower P/E: 10.6× against 26.2×. Pioneer Bancorp, Inc. grew revenue faster over the last twelve months: 15.1% against 1.60%. Home Bancorp, Inc. has the higher net margin (21.1% vs 12.5%) and the higher return on invested capital (12.8% vs 6.26%). Across the 17 metrics below, Home Bancorp, Inc. leads on 11 and Pioneer Bancorp, Inc. on 6.

Valuation

Metric HBCP PBFS Banks Regional median
P/E 10.58 26.20 12.02
P/S 2.24 3.25 2.36
P/B 1.05 1.34 1.23
Price to free cash flow 8.72 18.69 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.45% 3.82% 8.21%
Free cash flow yield 11.46% 5.35% 9.23%

Profitability

Metric HBCP PBFS Banks Regional median
Gross margin 73.89% 75.63% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.05% 12.49% 18.82%
Free cash flow margin 30.30% 17.40% 17.97%
Return on equity 10.15% 5.24% 10.28%
Return on assets 1.25% 0.76% 1.13%
Return on invested capital 12.79% 6.26% 8.45%

Growth

Metric HBCP PBFS Banks Regional median
Revenue growth (TTM) 1.60% 15.13% 6.37%
EPS growth (last fiscal year) 28.73% 43.80% 18.85%
Revenue growth, 5-year CAGR 12.05% 12.85% 12.65%
Net income growth, 5-year CAGR 13.21% 31.30% 9.81%

Health

Metric HBCP PBFS Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.97 1.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP PBFS Banks Regional median
Dividend yield 2.07% — 2.49%
Payout ratio 0.22 — 0.29

Size

Metric HBCP PBFS Banks Regional median
Market cap 478.01m 452.98m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack